Concord vs North Strathfield, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Concord and North Strathfield are both Canada Bay rates (OLG suburbs, sitting 9.5 km and 11.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Concord runs $415 a year cheaper than North Strathfield, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $4,758.
Over 10 years, Concord costs about $4,800 less to run than North Strathfield. That's about $9 a week.
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North Strathfield
Annual cost breakdown
| Category | Concord | North Strathfield | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,268 | $1,268 | - |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $2,925 | $3,340 | -$415 |
| Commute (public transport) Modelled, 2026-27 | $1,920 | $2,386 | -$466 |
| Home insurance Estimated | $1,850 | $1,850 | - |
| Body corporate (unit) Estimated | $2,600 | $2,600 | - |
| Total (driving) | $7,591 | $8,006 | -$415 |
| Total (public transport) | $6,586 | $7,052 | -$466 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Concord | North Strathfield | Difference |
|---|---|---|---|
| House | $2,342 | $2,342 | - |
| Unit | $1,909 | $1,909 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown, Concord vs North Strathfield (2026-27)
What the numbers show
Concord costs $415 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,758 in favour of Concord.
The biggest single gap is commute costs at $415 per year. North Strathfield is 11.1 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 91c/km.
On public transport the gap is $466 per year, $6,586 from Concord versus $7,052 from North Strathfield.
Where the difference actually comes from
- Council rates is identical at $1,268 a year.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Concord by $415 a year, $2,925 against $3,340.
- Building insurance is identical at $1,850 a year.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance.
10-year cumulative cost projection
| Year | Concord cumulative | North Strathfield cumulative | Difference |
|---|---|---|---|
| Year 1 | $7,591 | $8,006 | $415 |
| Year 3 | $23,463 | $24,746 | $1,283 |
| Year 5 | $40,302 | $42,505 | $2,203 |
| Year 10 | $87,022 | $91,780 | $4,758 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Concord or North Strathfield cheaper to live in?
Concord is cheaper to run by car at $7,591 per year versus $8,006 for North Strathfield, a difference of $415 annually. Figures cover council rates, water, commute (ATO 91c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Concord and North Strathfield?
Annual council rates for a house are $1,268 in Concord (Canada Bay rates (OLG) and $1,268 in North Strathfield (Canada Bay rates (OLG). Water and sewerage adds $1,548 in Concord and $1,548 in North Strathfield. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Concord and North Strathfield?
Annual driving commute costs are $2,925 from Concord and $3,340 from North Strathfield to Sydney CBD (ATO 91c/km). Public transport costs $1,920 from Concord and $2,386 from North Strathfield.
What is the 10-year cost difference between Concord and North Strathfield?
At 3% annual cost growth, Concord costs a cumulative $87,022 and North Strathfield costs $91,780 over 10 years by car. The cumulative difference is $4,758 in favour of Concord. Excludes purchase price, mortgage, and personal expenses.
Which of Concord and North Strathfield suits you better?
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Sources: Canada Bay rates (OLG and Canada Bay rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.